Ukulungiswa kwetyala. Iindlela zokunqoba iimeko ezinzima

Kukho ubuninzi ebomini kwiimeko ezahlukeneyo zeengxaki, okubangelwa kukuhlaselwa kwamathuba emali. Oku kungabikho ukulahlekelwa ngumsebenzi, isifo esibi, ukunyamalala komthombo wembuyekezo. Kwaye ukuba usadinga ukuhlawula imali mboleko, ke ixesha lokuya kwibhanki kwaye uyavuma ukulungiswa kwetyala. Ngombono wombolekayo, le nqubo ithathwa njengeyinkimbinkimbi kwaye i-bureaucratic. Nangona kunjalo, oku kukude kwimeko. Ngamanye amaxesha ukulungiswa kwemali mboleko kwibhanki yindlela engcono kakhulu yokuphuma kwimeko kunye nombolekekisi, kunokusebenzisa iinkonzo zokuqokelela okanye enkundleni. Ngaphezu koko, ukuba umntu obolekayo unembali yeebhanki ezilungileyo kwaye akanale ityala lakhe.

Yintoni ukulungiswa kwemali mboleko?

Ngokutsho kwabasebenzi bebhanki, oko kuthiwa "iThuluzi lokuSebenza" liyinkimbinkimbi ebudlelwane bezoqoqosho kunye neemathematika. Ngamanye amaxesha kunye neengcali zebhanki ezinamava "zihamba" kulo. Ukuhlengahlengiswa kwemboleko kuyithuba lokunciphisa umthwalo wematyala ngokunciphisa inani leentlawulo zenyanga. Ngelo xesha, imimiselo yesivumelwano semali-mboleko siyatshintshwa, apho i-assignment yesabelo okanye inzuzo, apho ibhanki iya khona, ichanekile.

Amalungiselelo okuhlengahlengiswa

Okwangoku, i-bhanki isebenzisa iindlela ezininzi zokuguqula iintlawulo kunye nokuhlaziya isivumelwano sematyala. Ukongezwa kwexesha lokubolekwa kwemali ngenye yeenkqubo eziqhelekileyo zeziko lemboleko. Kule meko, ukulungiswa kwemali mboleko kunokwenzeka kuphela kwimeko yokuba umda wexesha awudluli lowo owenzelwe le mveliso. Ngoko, umzekelo, ukuba umntu obolekayo unomboleko wokuthengwa kwemoto iminyaka emi-5, kwaye ixesha elivumelekileyo elivumelekileyo liyiminyaka engama-7, ngoko kunokwenzeka ukuba yandisa iminyaka emi-2 kuphela. Indlela elandelayo yokuququzelela iintlawulo kukukhawuleza ukuhlawulwa kwemali emzimbeni wemali-mboleko, okanye kuthiwa "ieholide zentengo". Ibhanki nganye kule meko inenkqubo yayo, eyenzelwe ixesha elide leenyanga ezintathu ukuya kwi-6. Kwixesha elide, ukunyuswa kwekhontrakthi kusekwa ukuba umthengi ulindele ukuthengisa nayiphina impahla okanye ufumane inzuzo kuyo, enobungqina bombhalo. Kodwa nangona kunjalo, ukuba iintlawulo zemali mboleko zimisiwe, ke umntu obolekayo kufuneka ahlawule umrhumo rhoqo. Ukuhlengahlengiswa kwemboleko kungenziwa ngokuguqula ishedyuli yokubuyisela. Okwangoku kwimeko ehlanganisiweyo yokubuyiselwa (ngesicelo somthengi) isetyenziswe. Kwiindlela ezingezona zendabuko zokulungiswa kwetyala, omnye unokubandakanya ukuhla kwezinga lentengo kunye nokukhanselwa kwezohlwayo. Kwimeko nganye, ibhanki ifana nomyalelo ngamnye.

Ukuhlaziywa kwemali mboleko yimeko eyongezelelweyo eqhotyoshelwe kwisivumelwano esikhulu kunye nebhanki. Kwaye yonke into isayinwe ngokungqongqo ngokuvumelana kwamacala omabini omabini. Nangona kunjalo, emva kokusayina kwesivumelwano sokuhlengahlengiswa, akunakukwazi ukuphumla. Ukususela kweli nqanaba, umboleki kunye nemboleko yakhe kubonwa ingxaki. Ngokuqinisekileyo, akuyi kubakho iifowuni ezithukuthezayo, abacebisi abanokutyelela, kodwa nangayiphi na imeko, inkonzo yebhanki yokulawula iintlawulo ezingapheliyo iya kuba "kwipencilisi" yomthengi.